[StBernard] Loss of Use

[Westley Annis]

Wendy,

I'm no insurance expert, just a victim like you, but it is my understanding 
from what State Farm told me that two weeks is all that is covered because 
loss of use falls under homeowners coverage, not flood.  Flood insurance 
does not provide for any loss of use and they are saying the reason our 
homes are uninhabitable is because of the flood. The funk, the mold, the 
contamination, all flood.  So the homeowners will only pay for two weeks 
because of the mandatory evacuation order. If your roof were blown off or 
some other thing caused by wind made your house uninhabitable, they would 
continue to cover your expenses until that was fixed. You cannot even buy 
loss of use coverage with your flood insurance. That is their way out. If 
they can get out of paying, they will.

Laurie